Reviews
Mobile & App Loans Updated: 14. 04. 2026

Branch Loans Kenya – review 2026

4,2 / 5

Branch International offers instant unsecured loans of up to KES 70,000 through its Android app, with disbursement directly to M-Pesa. Credit decisions are made using a machine-learning model that analyses smartphone usage data. Branch is registered as a digital credit provider under the CBK's Digital Credit Providers Regulations 2022.

Pros

  • Highest limit among major app lenders at KES 70,000
  • Instant approval and disbursement to M-Pesa
  • No collateral or guarantors required
  • Repayment flexibility with no prepayment fee
  • CBK-registered digital credit provider

Cons

  • Effective interest rates are high relative to formal bank products
  • Loan amounts for new borrowers are very low initially
  • Android-only application
  • Negative CRB listing on late repayment
  • No customer care phone line in Kenya

Requirements

  • Kenyan national ID
  • Active M-Pesa account linked to the registered phone number
  • Android device with Branch app installed
  • Minimum age of 18 years
  • M-Pesa transaction history assessed at onboarding

Provider contacts

Name
Branch International Limited
Address
Nairobi, Kenya
Reg. number
CBK/DCRP/2022/002
Website
Regulator
Central Bank of Kenya (CBK)

Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.